dba Tosca Investments
We can speak over the phone, at a virtual meeting, or in person.
An Army veteran, husband, and father of two with 45 years of experience in executive corporate leadership in operations and development and training in the insurance, franchising, and real estate industries.
There are many facets to planning for retirement. I will assist with your health and financial wellbeing. dba Tosca Investments is your solution to protecting your future.
Medicare is health insurance for people aged 65 or older, people under age 65 with certain disabilities, and/or people of any age with End-Stage Renal Disease, or ESRD (permanent).
Helps to cover inpatient care in hospitals. Also helps to cover skilled nursing facilities, hospices, and home health care.
Helps to cover doctors’ services, outpatient care, and home health care. Also helps to cover some preventive services to help maintain your health and to keep certain illnesses from getting worse.
Medicare Advantage Plus (HMO or PPO)
A health coverage option run by private insurance companies approved by, and under contract with, Medicare.
Includes Part A, Part B, and usually other coverage like prescription drugs.
Medicare Prescription Drug Coverage
A prescription drug option run by private insurance companies, approved by and under contract with, Medicare.
Health insurance is coverage that pays for medical and/or surgical expenses incurred by the insured. Health insurance can reimburse clients for expenses caused by illness or injury, or can pay the care provider directly.
Lump-sum cancer insurance can help clients deal with the huge financial burden when they, or a loved one, is diagnosed with cancer.
Pays in addition to any other insurance clients may have.
Statistics say that many individuals will, at some point, get diagnosed with or have Alzheimer’s, a heart attack, cancer, or a stroke, along with many other illnesses.
For dollars a day, clients could be covered from any unforeseen out-of-pocket costs.
Includes routine dental care. Plans generally cover some, or all, of the costs for oral exams, cleaning,s filings, and x-rays.
Affordable dental coverage- oral health doesn’t have to be costly. Dental health is overall health and affects one’s whole body.
If a client becomes disabled and is unable to work, disability insurance will kick in to cover part of their lost wages.
Clients can receive short-term disability, (2 years or less,) or long-term disability right through retirement age.
Payment in cash for clients when they have a hospitalization. Pays in addition to any other insurance.
Plugs up any coverage gaps one may have in their health policies.
Life insurance is a sum payment, either on the death of the insured person or after a set period of time. There are many types of life insurance and solutions available.
Simplified Issue Whole Life insurance. Geared towards the 65 and older market, with smaller face amounts, (typically $5,000 to $25,000.) These types of policies are not fully underwritten, but rather a quick issue with no parameds or apps. True guarantee issue plans are also available.
INDEXED UNIVERSAL LIFE
Similar in nature to traditional universal life insurance. The biggest difference is how cash growth is accumulated. Instead of a stated interest rate, cash grows based upon the performance of a market index, such as the S&P 500.
LIFE INSURANCE WITH LONG-TERM CARE & CHRONIC/ CRITICAL ILLNESS WAIVERS
Life insurance for the living gives flexibility and cash when needed most during times of illness.
SINGLE PREMIUM FINAL EXPENSE
Simplified issue permanent life insurance available to clients up to age 85. Clients with a lump sum as low as $5,000 can pay a life insurance plan to help pay for burial expenses and pass on wealth fax-free.
Covers the client for a term, typically for 10 to 30 years. It does not build up any cash value. Typically sold as a cheap death benefit needed for a specific period of time.
Flexible premium life insurance that can be structured to meet the goals and budgets of clients. Cash value is an option with universal life. Premium payments can be structured from one year to a lifetime.
Simplified issue permanent life insurance, available to clients up to age 85. Clients with a lump sum as low as $5,000 can pay a life insurance plan to help pay for burial expenses and pass on wealth tax-free. Geared towards the 60 and over market, due to its simplified issue underwriting. No parameds or apps are required.
Connect4Medicare instantly quotes, compares, and allows you to enroll in a Medicare Advantage, Prescription Drug Plans, and Medicare Supplement Plans all in one place.
1702 Oak Grove Ln
By filling out this form, you agree that an authorized representative or licensed insurance agent may contact you via phone and/or email to answer your questions or to provide additional information about your insurance plan options.
This website serves as an invitation for you, the customer, to inquire about further information regarding Medicare Supplement insurance, Medicare Part C, and Medicare Part D. Your request for information will be routed to a licensed agent who can provide you with further information about the insurance plans offered by one or more of our third-party partners. Submission of your contact information constitutes permission for an agent to contact you with further information, including complete details on the cost and coverage of this insurance.
We, and the licensed agents that may call you, are not connected with nor endorsed by the U.S. Government or the federal Medicare program. Medicare has neither reviewed nor endorsed the information contained on this website. This is not a complete listing of plans available in your service area. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. For a complete listing please contact 1 (800) MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048, 24 hours a day/ 7 days a week, or your local State Health Insurance Program (SHIP) consult www.medicare.gov.